Citizens Bank and Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Risk-weighted assets rose 3.5% from Q1 2026 to Q2 2026, ending at $401.2M against $387.5M. It was the largest change among the key lines on this page. Within Louisiana, Citizens Bank and Trust Company is 37th of 46 on CET1 ratio, 13.97% as of Q2 2026, below the middle of the field. Citizens Bank and Trust Company reported 13.97% on CET1 ratio for Q2 2026, 1.11 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.97% |
| Tier 1 risk-based capital ratio | 13.97% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 11.93% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $56.0M |
| Tier 1 capital | $56.0M |
| Total risk-based capital | $59.9M |
| Total equity capital | $55.6M |
| Risk-weighted assets | $401.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.57% |
| Tangible equity to tangible assets | 11.57% |
| Equity capital to average assets | 11.85% |
| Internal capital growth rate | 10.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $14.3M |
| Retained earnings | $41.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$382K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.41% | 14.41% | 15.66% | 11.42% | $335.6M |
| Q4 2023 | 13.41% | 13.41% | 14.67% | 11.58% | $365.8M |
| Q1 2024 | 13.68% | 13.68% | 14.94% | 11.19% | $354.3M |
| Q2 2024 | 13.56% | 13.56% | 14.81% | 11.16% | $360.9M |
| Q3 2024 | 13.37% | 13.37% | 14.62% | 11.20% | $371.1M |
| Q4 2024 | 13.91% | 13.91% | 15.17% | 11.15% | $362.0M |
| Q1 2025 | 13.68% | 13.68% | 14.93% | 11.44% | $373.3M |
| Q2 2025 | 13.53% | 13.53% | 14.78% | 11.71% | $382.4M |
| Q3 2025 | 13.31% | 13.31% | 14.21% | 11.76% | $394.8M |
| Q4 2025 | 13.85% | 13.85% | 14.83% | 11.68% | $387.2M |
| Q1 2026 | 14.10% | 14.10% | 15.09% | 11.61% | $387.5M |
| Q2 2026 | 13.97% | 13.97% | 14.94% | 11.93% | $401.2M |
Citizens Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1376) · FFIEC NIC profile (RSSD 357937)